定期壽險保險合同范本

定期壽險保險合同范本

甲方（保險人）：_____________________

乙方（被保險人）：_____________________

丙方（受益人）：_____________________

鑒于甲方是一家依法設(shè)立并具有經(jīng)營保險業(yè)務資格的保險公司，乙方愿意向甲方投保定期壽險，丙方作為受益人同意接受保險金，經(jīng)雙方協(xié)商一致，特訂立本合同，以資共同遵守。

第一條保險標的

本合同的保險標的為乙方的生命。

第二條保險期間

保險期間自本合同生效之日起至約定的保險期滿日止。

第三條保險金額

本合同的保險金額為人民幣________元。

第四條保險費

乙方應按照本合同約定的保險費率及支付方式，向甲方支付保險費。

第五條保險責任

在保險期間內(nèi)，若乙方因意外傷害事故或疾病身故，甲方應按照本合同約定向丙方支付保險金。

第六條責任免除

甲方對以下情形不承擔給付保險金的責任：

1.乙方故意自傷、自殺或故意犯罪導致的身故；

2.乙方在本合同生效之日起兩年內(nèi)自殺，但自殺時為無民事行為能力人的除外；

3.乙方因戰(zhàn)爭、軍事沖突、暴亂或武裝叛亂導致的身故；

4.乙方因核爆炸、核輻射或核污染導致的身故；

5.其他依法規(guī)定或本合同約定的責任免除情形。

第七條保險金的申請與給付

1.丙方應在知道乙方身故之日起三十日內(nèi)向甲方提出保險金給付申請，并提供相關(guān)證明材料。

2.甲方在收到保險金給付申請及相關(guān)證明材料后，應在三十日內(nèi)作出核定；情形復雜的，可以延長三十日。

3.甲方對保險金給付申請作出核定后，應按照核定結(jié)果及時給付保險金。

第八條保險費的支付

乙方應按照本合同約定的保險費率及支付方式，按時足額向甲方支付保險費。逾期支付的，甲方有權(quán)按照本合同約定收取滯納金。

第九條合同的變更與解除

1.經(jīng)甲乙雙方協(xié)商一致，可以變更本合同的有關(guān)內(nèi)容。

2.乙方在本合同生效后三十日內(nèi)有權(quán)解除本合同，甲方應退還乙方已支付的保險費。

3.除本合同另有約定外，乙方在本合同生效滿三十日后解除本合同的，甲方應按照本合同約定退還保險費。

第十條爭議解決

本合同在履行過程中發(fā)生的任何爭議，甲乙雙方應首先通過協(xié)商解決；協(xié)商不成的，可提交甲方所在地人民法院訴訟解決。

第十一條其他約定

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